Despite the pandemic in 2020 and 2021, there was some travel between the US and India thanks to the air-bubble agreement between the US and Indian authorities. With the approval of different Covid vaccines, air travel to the US is increasing in 2022 and one can hope to see pre-pandemic numbers soon.
However given the pandemic situation and increased stress on health care systems in the US, it is important for Indian traveler to buy the best US travel insurance from India and to include Covid19 coverage.
Indian travelers can Compare medical insurance for US travel from India using our best travel insurance for USA compare tool. Based on the USA travel insurance cost and specific requirements we list available US travel insurance from India plans enabling you to buy the most appropriate travel insurance online for USA.
The coronavirus (Covid-19) pandemic has stranded many Indian travelers in the US for lack of travel options. The international travel restrictions has forced many Indian travelers to cancel their return journey who are on temporary or short term US visas.
These travelers will now have to extend or renew their visa status in order to stay for longer durations in the US. The following is the procedure to extend the US short term visa:
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This US travel insurance for Indians information can guide Indian travelers in understanding US travel insurance processes and terms as well as the financial support that it offers.
Deductible is the amount that insured Indian tourists need to pay for coverage before the travel insurance actually starts to pay for the healthcare services. The Deductible has to be paid along with the co-pay or coinsurance. Indians visitors need to pay the medical fees up to the amount of deductible and along with coinsurance and co-pay.
For example if the deductible amount is $500 then the travelers need to pay up to $500, it is only after this amount is paid that the insurance plan stays paying. The Deductible is introduced to prevent frivolous claims.
Coinsurance is similar to co-pay in domestic US health insurance. Here the insured needs to pay a percentage of the total cost of the medical fee instead of paying a fixed amount. If you have 10% of coinsurance that the insured will have to pay 10% of the total cost of the bill .Co-insurance is paid on top of the Deductible. Typical Co-insurance ranges from 10% to 20%. The higher the co-insurance, the lower will be the cost of travel insurance.
Travelers from India can review the insurance glossary for travel to the USA to understand other terms and also check our US travel insurance guide for easy understanding.
Riders – Riders are additional benefits that a traveler can purchase within the insurance policy. These are benefits that are usually not covered under the standard insurance policy. Depending on the need of the traveler, customers can add rider benefits at an additional cost while buying the policy.
Copay or copayment is the fixed amount that the insured will have to pay for the medical service availed. The amounts would usually differ depending on the service availed.
Network and Out of Network - In US most hospitals have PPO networks .In the PPO network there are selected doctors and hospitals that have a working agreement with the insurance providers who charge the insurance provider directly and work out cheaper for Indian travelers. If the insurance provider is in the network they will provide a list of in network facilities so that the insured finds it easy to use the provider who can offer services.
Out of network insurance is literally when the customer goes to a healthcare facility outside of the covered network provider. In this situation, the insured will have to pay for the treatment themselves and then file a claim, this process might be confusing and sometimes out of network doctors and hospitals are more expensive and may even not be covered.
Pre-existing condition is a medical ailment that existed before the start of the travel insurance cover. Acute onset of a pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.
Travelers from India with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre-existing diseases but some of common ailments in this category are Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Indian Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for acute onset of pre-existing conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most insurance providers offer travel insurance for acute onset of pre-existing conditions with fixed or limited coverage
If any of the Indian visitors has one of these conditions it’s very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.
Senior Citizens who are 70 years of age are vulnerable to illness and are at high risk for travel sickness and injuries. While most insurance providers refuse or severely reduce coverage for travelers who are 70 years, there are a US insurance providers who insure older traveler’s . IMG in their Patriot America Plus Insurance offers coverage for up to $50,000 - $1000, 000 and World Trips in their Atlas America Insurance offers $50,000 - $2,000,000 coverage.
Pre-approval commonly known as pre-authorization is a sanction provided by the insurance provider to obtain the medical treatment and hospital visits. The healthcare service workers like network providers, hospitals or doctor’s offices often choose to inform the insurance provider and get a pre-approval. In a case where the insured is using an out-network provider the insured will need to notify the insurance provider to get pre approval or pay and then apply for a reimbursement.
In situations like an admission at the hospital for overnight stay, Major Surgery, Prescription of expensive drugs, Medical appointment to a behavioural, physical, speech or occupational therapist for treatment all of this would typically require pre-approvals from the insurance provider.
Not all travel insurance plans are renewable, so check on the renewability of the travel insurance plan. Most travel insurance plans can be extended based on the traveler’s requirement. When the policy is extended, the deductible is usually reset.
Regular or frequent travelers visiting the US can buy the annual multi-trip travel insurance plan. Here the traveler is insured for a whole year from the start of the plan, but each trip is limited to a certain length of stay outside the home country and are required to have a domestic health insurance.
Tourists on vacation, visiting family in the USA.Know more »
The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
The longer the duration of visitor medical insurance required, the higher will be the cost.
Additional add-on benefits like adventure sports coverage … will increase the cost of coverage.
Delhi, Mumbai, Bengaluru, Agra, Jaipur, Goa, New Delhi, Manali, Shimla, Chennai, Kolkata, Rishikesh.
Hindi, Telugu, Kannada, English...
Around 1.40 billion
October to March
Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.
Review the travel insurance documents received by email closely for coverage details and relevant contact numbers
Namaste ! Over 1.7 million Indians traveled to the US in 2019, but thanks to Covid, these numbers has seen a drop in 2020 and 2021. The number of Indians traveling to the US is however expected to increase significantly from 2022 onwards.
Along with tourists there are students, professionals, parents and family members of Indians in the US who undertake this journey. The Four million strong highly educated and affluent Indian-American community retains close ties with India and we often have Indian-Americans buying the best visitor insurance for their parents visiting USA.
The US government has a rule for buying insurance for Indian visitors and making it mandatory for prospective immigrants from November 2019. While this proposed rule has come under legal scrutiny in US courts, we hear from customers that US consulates are insisting that Indian visitors applying for US Immigrant visas have proper US health insurance.
We are getting customer calls indicating that proof of USA travel insurance for Indians is required for other visas as well. The travel insurance for USA from India that we offer work well for both US visitors and immigrants and can be provided to US consulates as proof of adequate health insurance in the USA.
Given the high cost of US health care for visitors from India coupled with the fact that most parents are elderly, have undertaken a very long air journey and are outside familiar Indian weather, it is imperative that they are insured by the best visitors insurance for visiting USA from India.
It is recommended to buy US medical insurance for visitors to USA from India as opposed to travel insurance in India since US hospitals are familiar with US insurance providers and it is easier for direct billing.
There are also more US insurance plan options which are better designed for older travelers. Some of which are popular medical insurance for US visitors from India covering pre-existing conditions.Travel insurance for Indians »
There are over One hundred and eighty thousand Indian students currently in the United States. Most of the Indian students come for a graduate program with only about 10% of the students being Undergraduate students.
There are about 30% of Indian students who are currently in the Optional Practical Training (OPT) status. India is the second largest source of the international students to the US after China. Most of the Indian students focus on Science, Technology, Engineering, Math (STEM) programs. Business degrees are also highly regarded by Indian students.
Indian students in the US should ensure that they have proper student medical insurance. While most Universities offer student insurance, these university insurance plans are quite expensive. We offer more affordable student health insurance plan for OPT Indian student with comparable coverage.
Indian students can also buy the OPT student insurance options that we provide which are very affordable compared to University options.Compare quotes »
A large number of Indian computer engineers and software developers work in the United States on the H1B visa. The United States of America being the global leader in research, science and technology attracts Information Technology talent from around the world and in particular from India given India’s large technically savvy labor force.
As a result, every year thousands of Indian techies migrate to the US for employment and to start a new chapter of their life. The US is also a magnet for entrepreneurs who are willing to innovate and work hard to translate ideas into products and services and to create new companies for the same.
Most of these skilled professionals come to the US on the H-1B visas. More than half of all Indian immigrants to the US finally secure their Green Cards through employment. While the Trump administration had made it difficult to get a new H1B visa or to renew existing H1B visas, the Biden administration is easing on those restrictions. Given all these changes going on with the visa process Indians who are planning to immigrate to the US should anticipate uncertainties and be well prepared for them.
One of the additional stresses that H1B visa holders face is that of their healthcare. US healthcare while excellent is also very expensive. It is in this context that it is very important for Indian H1B visa holders to buy good health insurance in the US, especially so given the Covid pandemic. At American Visitor Insurance, H1B visa holders can compare several top US insurance companies offering short term health insurance which works ideally for H1B visa holders.
These short term H1B visa health insurance plans are flexible in that they can be purchased only for the duration of one’s requirements. If the H1B visa holder gets domestic US health insurance through his employer, he can discontinue the temporary health insurance purchased here. Indian technology professionals can compare different H1B visa insurance options and buy the plan that works best for their budget and specific needs.Compare quotes »
India and the US has been witnessing a stronger political, economic and cultural connection in the 21st century. This has involved in a large number of Indians traveling to the US on work thanks to India’s dynamic technology sector and many outsourcing companies. Many of these Indians have now settled in the US and today the Indian American population in the US is 4 million strong.
This large Indian American community retains strong ties with family members in India and it is natural to have parents and relatives travel to the US to meet their children. Traveling to the USA is naturally exciting for parents are seeing their children and grandchildren. However despite much planning, travel may not turn out to be as comfortable as planned.
During travel older travelers will be exposed to strenuous long hours of travel, change in weather conditions and food which eventually may lead to a medical emergency. Given the present COVID19 situation it is particularly important that Indian parents take full precautions while traveling to the US. Due to the older age of parents, health and stress-free travel is crucial.
To avoid any such emergencies buying good US parents travel insurance is necessary as this will cover them for unforeseen medical situations that can leave them with a financial loss and nightmare in the US.Compare quotes »
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According to changes from June 2022, US Citizens who have traveled overseas are no longer required to get tested for COVID19 before traveling back to the US. This was earlier mandatory by the US government, and this requirement is currently under abeyance based on the trajectory of the pandemic. This COVID19 test was required both for unvaccinated and for vaccinated travelers. However, despite the Covid test not being compulsory, it is prudent for US citizens to buy travel insurance with Covid quarantine expenses included given the pandemic and different Covid sub-variants.
US travelers can either buy US Covid quarantine coverage trip insurance (includes coverage for cost of the trip), or Covid quarantine travel health insurance (insures only the health of the traveler and is cheaper than trip insurance).
There many India to US travel insurance available for Indians from top reputed insurance providers. Based on the travelers coverage requirements there are two types of plans, fixed benefit and comprehensive visitors insurance.
Fixed benefit insurance are cheaper and offer limited coverage while comprehensive plans are expensive and offer exhaustive coverage. The best health insurance for visitors to USA are Patriot America Plus by International Medical Group, Atlas America from WorldTrips, Safe Travels USA Comprehensive from Trawick International, Travel Medical Choice plan from Seven Corners, INF Choice and INF traveler USA plans from INF all of which have excellent coverage.
Visitors health insurance for USA offered here are customized to the needs of international tourists visiting USA and Canada and work very well for parents visiting from India. Travelers can buy the best travel insurance online for USA from India for their specific needs based on the USA travel insurance cost, different coverage benefits and deductible options.
Types of Visa: B, C-1, D, F, I, J, M, TN/TD,T & U
Types of Visa: H, L, O, P, Q & R
Note: The visa fees paid is non refundable even if your application is rejected.
Confused whether to buy trip, travel or global health insurance? Understand the differences!Click here to read more
In 2022 almost all countries have opened their borders again for international tourism. The US now has no Covid related travel restrictions, be it a Covid test or proof of vaccination. Unfortunately, the threat of Covid sub-variants still remain. Covid related expenses be it medical expenses or for quarantine can be significant and the important of having the best travel insurance has been reinforced. To protect the trip it is advisable to get a medical insurance plan with wide benefits like, trip cancellation, cancel for any reason, travel delay or interruption, baggage or personal belongings loss, medical expenses of COVID19, emergency medical evacuation and repatriation etc. At American visitor insurance travelers can choose from a wide range of choices that cater to various travel and medical needs.
Travelers can compare and include the benefits as per their requirement including Covid19 coverage. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.
Trawick International offers visitor medical insurance for coronavirus with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. You can compare Safe Travels USA Covid19 travel insurance plans and buy it online to get coverage as early as the following day. After buying the Trawick travel insurance, travelers can download a visa letter which indicates that Safe travels USA visitors insurance covers covid19 illness.
International Medical Group (IMG) travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus, Patriot Platinum insurance, Visitors Protect and Visitors Care insurance plans cover COVID19 like any other illness. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage up to the policy maximum.
INF travel insurance offers coverage for coronavirus as any other new sickness. It is available for Non-US citizens or residents travelling to the US. INF Premier and INF Elite plans covers pre-existing complications from COVID19.
Diplomat America visitors insurance by Global Underwriters offers coverage for covid19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Diplomat Long term Covid19 medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.
Atlas travel insurance coverage will cover eligible medical expenses resulting from COVID19/SARS-CoV-2.
Please know we are here to help you make the best, informed decision to get coverage even for COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
Most of the US visitors insurance plans for parents provide coverage for "Acute Onset of Pre-Existing Conditions". Travel health insurance for USA basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. Indian Travel insurance USA coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.
INF is one of the few companies which offers USA travel insurance plans for parents from India with full coverage for pre-existing ailments. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance for parents with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions.
The INF plans treat the pre-existing conditions like any new sicknesses. Prescription Medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions'. Some of the common pre-existing condition exclusions are:
This also explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment.Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?
The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions'Does INF travel insurance really offer coverage for all preexisting conditions for parents from India?
In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier & INF Elite best parents travel insurance for pre existing conditions..
There are many US travelers to India, a good number of whom have family of friends in the country. However, international travelers to India should buy good travel insurance given the risks involved in international travel, particularly in the post Covid19 pandemic world. India’s healthcare infrastructure varies dramatically across the country.
Most Indian metropolitan cities like Delhi, Mumbai, Bangalore, Chennai boast of excellent healthcare infrastructure, the same is not true outside the big cities. Also, the healthcare in the good hospitals is not cheap. It is prudent to buy good travel insurance which can provide help in navigating through India’s healthcare infrastructure both in terms of identifying good healthcare as well as paying for it along with insuring trip costs and baggage loss or delay.
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If the Asthma condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
If the Arthritis condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
If the Diabetes has been stable for 12 months (no change in Medication / sickness related to diabetes), it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.
Yes- INF travel insurance for USA will cover a heart attack either as a new sickness or pre-existing condition, depending on how stable to insured’s condition was in the past 12 months.
Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.
There are some USA Covid travel insurance plans available for travel to India that cover Covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online.
These US covid travel insurance plans are available for visitors from India to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.
There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.
One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.
There are several different visitor insurance USA from India options which vary quite significantly in price and benefits. The best insurance for visitors in USA will vary from customer to customer. While some travelers will consider the cheapest insurance as the best travel insurance, others will want comprehensive coverage and are willing to pay more for the best travel medical insurance for USA.
Our compare travel insurance to USA facility allows travelers review several visitor insurance USA from India options in one screen based on price as well as coverage benefits. The travelers can find the best travel insurance India to USA based on their unique needs.
Travel medical insurance for US tourist visa is not mandatory, however given the very high cost of US healthcare, it is very risky to travel in the USA without good travel health insurance USA.
Yes, visitors can get short term travel health insurance in USA. Reputed US insurance providers have designed travel health insurance products specifically for visitors and tourists in the USA. We provide a compare travel insurance to USA facility that allows travelers compare travel insurance India to USA options based on price as well as coverage benefits.
Travelers can find the best US travel insurance from India to USA based on their specific needs.
While there are different Indian travel insurance plans for the USA, very often US hospitals or healthcare facilities do not recognize international insurance plans and will insist of paying for the healthcare treatment and getting the bill reimbursed from the insurance provider. Getting reimbursed from the Indian insurance provider can be bureaucratic and take a lot of time and effort. To add to this, very often the reimbursed will be made only in India to an Indian bank account. This can be difficult since the payment has to be made in the United States.
The US authorities do not insist on travel insurance for visiting the USA. However, healthcare costs in the US is exorbitant, and being forced to go to a US hospital without health insurance is financially disastrous . It is therefore highly recommended the buying the best travel insurance for USA is a necessity.
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A fixed benefit travel medical insurance plan is the cheapest travel insurance plan option. This travel health insurance is cheap because it has a fixed coverage limit for different medical benefits. Fixed benefit plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.
Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are so limits for each benefit. Comprehensive travel health insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.
The Trump administration had introduced rules making it mandatory for prospective new US immigrants to show proof of adequate US health insurance while applying for the immigrant visa. The aim of this mandatory US health insurance for immigrants is to reduce the burden on the US hospitals, the overall US health care system and finally on US tax payers by uninsured new immigrants.
At American Visitor insurance we offer immigrant health insurance plans which work well for prospective new US immigrants. After buying this immigrant medical insurance, customers will immediately receive the health insurance policy document by email. Customers can use this immigrant insurance document as proof of US health insurance while applying for the Immigrant visa. Given this rule as well as the very high cost of healthcare in the US, it is strongly recommended to buy medical insurance for new US immigrants.
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The European consulates that are part of the Schengen treaty (Spain, France, Italy, Germany, ....) insist on adequate travel medical insurance for Indians nationals who are visiting any of the Schengen countries. Nationalities who require Schengen visa.
We offer several travel insurance plans that satisfy Schengen visa consulate requirements:
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